Punta Gorda Flood Zone Map & Elevation Check
Free Florida flood zone lookup for Punta Gorda, FL — share of homes in FEMA high-risk flood zones, average ground elevation, and hurricane evacuation zones. Check any address for a parcel-level answer.
Flood risk in Punta Gorda at a glance
- Punta Gorda is in Charlotte County with about 13,145 homes.
- 93% of homes are in a FEMA high-risk flood zone (A/AE/VE); the most common zone is Zone AE.
- Average ground elevation is 11.7 ft, ranging from 3.6 ft to 21.3 ft.
- 90% of homes are in hurricane evacuation zone A or B, the first to evacuate for storm surge.
FEMA flood zones
- Zone AE: 93% of homes
- Zone X: 7% of homes
Evacuation zones
- Zone A: 87% of homes
- Non-evac: 10% of homes
- Zone B: 3% of homes
What this means for buyers in Punta Gorda
Most homes in Punta Gorda are in a FEMA high-risk flood zone
About 93% of homes sit in a Special Flood Hazard Area (Zones A/AE/VE). Federally backed mortgages require flood insurance there — budget $800–$3,000+/yr, more in coastal VE zones.
Hurricane evacuation zones A/B
About 90% of homes are in evacuation zone A or B — first to evacuate for storm surge. Florida lenders commonly require windstorm coverage in these zones.
Estimated from 30 residential points across Punta Gorda, weighted by 2020 Census housing units, using FEMA NFHL flood zones, Florida Division of Emergency Management evacuation zones, and ground elevation. These are area averages — flood zones and elevation change street by street.
Check a specific Punta Gorda address for its exact FEMA zone, parcel elevation, and evacuation zone.
Budgeting for a home in Punta Gorda? See Punta Gorda property tax for buyers: the year-1 tax you'll pay after the Save Our Homes reset, not the seller's capped bill.